The Harvard State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 12.59 percentage points in Q2 2026, from 178.37% to 165.78%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The Harvard State Bank is 226th of 323 on loan-to-deposit ratio, 65.69% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. The Harvard State Bank sits 14.86 points lower, at 65.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $193.2M |
| Net loans and leases | $191.1M |
| Loans held for sale | $540K |
| Loans to total assets | 58.27% |
| Loan-to-deposit ratio | 65.69% |
| Net loans to equity capital | 6.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.45% |
| Multifamily (5+ residential) | 4.47% |
| Commercial and industrial | 6.04% |
| Consumer | 0.46% |
| Credit cards | 0.00% |
| Farm | 4.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 165.78% |
| Construction concentration (Tier 1 capital + allowance) | 24.84% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.39% |
| Interest income on loans | $3.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $171.3M | $276.8M | 36.83% | 8.43% | 1.08% |
| Q4 2023 | $173.4M | $280.2M | 36.94% | 9.04% | 1.01% |
| Q1 2024 | $173.5M | $270.5M | 38.49% | 8.71% | 1.36% |
| Q2 2024 | $173.2M | $274.5M | 40.03% | 9.06% | 0.92% |
| Q3 2024 | $173.6M | $285.6M | 39.66% | 9.32% | 0.83% |
| Q4 2024 | $176.9M | $282.1M | 40.89% | 9.68% | 0.74% |
| Q1 2025 | $180.6M | $280.0M | 39.85% | 9.48% | 0.65% |
| Q2 2025 | $186.0M | $280.3M | 41.63% | 9.17% | 0.57% |
| Q3 2025 | $187.9M | $288.2M | 41.79% | 8.70% | 0.50% |
| Q4 2025 | $186.3M | $291.1M | 43.38% | 6.72% | 0.50% |
| Q1 2026 | $191.4M | $291.5M | 41.47% | 6.03% | 0.48% |
| Q2 2026 | $193.2M | $294.0M | 42.45% | 6.04% | 0.46% |
The Harvard State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Harvard State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Harvard State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9079) · FFIEC NIC profile (RSSD 800134)